Car insurance costs are based on your record as a driver, but insurance coverage follows your car. That means that anyone driving your car is technically covered, including friends and family who borrow it.
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Car insurance not in your name – Car insurance companies mandate that the insurance policy and the registration certificate of the vehicle should be in the name of the car owner. Any mismatches in the information will result in the refusal of claim. So if you are buying a used car, ensure that the registration certificate and car insurance.
Source: Insure.com, from a study commissioned by Insure.com from Quadrant Information Services. Averages are based on a 40-year-old male driver who commutes 12 miles to work, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive insurance.
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Having an insurance company owe you money is nice for a change. Learn how car insurance refund return checks are handled and what to expect.
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